True but will need to have a permanent SG mailling addres in order to apply. Do you know any way to get around his requirement ?

Thanks buddy will check with them directly.

[quote=cwhong,Jul 19 2012, 11:00 AM]
lose in foreign exchange unless u earn in SGD only however if buy using RM still lose exchange rates mah ....... but agree on charged from both side .....

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Must also consider Xchange rate given by money changer is always better then bank ma